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Easy Energy Efficient Home Improvements

Jan 30, 2008
Every homeowner is affected by rising energy costs. If you have home improvement plans, be sure to look at ways to incorporate energy efficient changes, and not only cosmetic improvements. Money invested today can quickly pay for itself with savings on your monthly utility costs and your mortgage.

Of course, it takes money to save money, and energy efficient home improvements do require a certain amount of cash outlay. Even if you don't have the budget on hand, there are options available to you.

If you are planning to renew or refinance your mortgage, speak with your lender about borrowing a little extra to invest in making your home more energy efficient. These are smart improvements that can immediately lower your monthly energy bills. The interest on your home equity loan and mortgage may also be tax deductible.

Energy Wise Mortgages

Another good option is to consider an Energy Efficient Mortgage. Owning a car involves real costs like maintenance and operating expenses; the same holds true for a home. Rising utility expenses must be factored into the costs of owning a home. An Energy Efficient Mortgage (EEM) can increase your comfort and save you money whether you are buying, selling, refinancing or remodeling your home.

This type of plan is available with most home mortgages and can provide special benefits to borrowers who are either buying energy efficient homes or installing energy efficient improvements. When you utility bills are lower, you'll have more money in your pocket at the end of each month. Then, you are free to allocate a larger portion of your income to housing expenses.

There are many benefits to financing your energy wise home improvements through an E. E. M.:

* Qualifying for a larger loan amount allows you to purchase a better, more energy efficient home.

* You may finance your cost-effective energy saving measures as part of your mortgage.

* Improving and updating older homes can make them more comfortable and efficient

* You can stretch your debt-to-income qualifying ratio with a loan for energy-efficient homes.

* This type of plan can increase your overall buying power.

Energy Wise Financing Options

Some utility providers and energy-efficient businesses offer loans and incentives to homeowners. As a property owner, you can use these incentives for projects like new heating and air conditioning systems, insulation, windows and other energy efficiency improvements. You might also find a range of improvements offered by utility companies to help you enjoy greater efficiency. In the United States, the Edison Electric Institute (E. E. I.) provides a list of member company programs that offer energy efficient services to businesses, homeowners and industrial plants.

You can find more energy wise services and ideas online. Look for websites like the National Energy Affordability and Accessibility Project (N. E. A. P. P) site.

If you have renovation plans, your first priority should be energy efficient home improvements. The monthly savings will quickly defer your initial renovation costs, and you'll do your part in preserving our priceless energy resources.
About the Author
Essayist Tobias Reibber is a contributor to numerous Internet sites, on family fun and growing family themes.
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